I never considered cooling important enough in my first few PC builds, trusting cheap cases and stock coolers, and never looking at the CPU temps or fan curves. This approach might have worked for ...
I would put the fans in PWM mode in the bios, linked to the CPU temp. Then adjust curves as you see fit. For example, my case fans are something along the lines of CPU=<40c Fans=20% CPU=55c Fans=35% ...